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1. 发明申请

US20150060540A1 FULLY-AUTOMATIC DIGITAL ELECTRONIC PAYMENT TRANSACTION IDENTITY AUTHENTICATION METHOD WITH HIGH SECURITY 审中-公开
标题翻译：全自动数字电子支付交易身份认证方法，具有较高的安全性
公开(公告)号：US20150060540A1
公开(公告)日：2015-03-05
申请号：US14017910
申请日：2013-09-04
申请人： Joe Chi CHEN , Louis Chien CHEN , Andrew Chien CHEN
发明人： Joe Chi CHEN
IPC分类号： G06Q20/38 , G06Q20/34 , G06Q20/26
CPC分类号： G06Q20/3821 , G06Q20/26 , G06Q20/3552
摘要： The present invention enables a cardholder to apply to a card issuing institution to set up a chip debit card. The card issuing institution builds a computing formula into the chip, and when the cardholder uses the chip debit card, the financial transaction system inserts relevant information from the financial transaction proceeding at that instance into the built-in formula of the chip debit card. Corresponding values produced by the computing formula are combined with hidden numerals input by the cardholder when carrying out their consumption transaction, and a dynamic combination code is derived. The dynamic combination code serves as a basis for the card issuing institution to authenticate the identity of the cardholder, thereby effectively preventing the risk of leaking, deciphering, and copying of personal information of the cardholder, and fraudulent use thereof.
摘要翻译：本发明使得持卡人能够向卡片发行机构申请设置芯片借记卡。发卡机构在芯片中建立计算公式，当持卡人使用芯片借记卡时，金融交易系统将相关信息从金融交易处理中插入到芯片借记卡的内置公式中。计算公式产生的相应值与执行消费交易时持卡人输入的隐藏数字相结合，得出动态组合码。动态组合码是发卡机构认证持卡人身份的基础，从而有效防止了持卡人的个人信息的泄露，破解和复制的风险以及欺诈性的使用。

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